PMS for Global Indians

Smarter investing, professionally managed — tailored to your global lifestyle.
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1-100x
Potential Returns
30 Lakh
Min. Investment
5-7 Yrs
Avg. Holding Period
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What is Portfolio Management Service (PMS) for NRIs?

Portfolio Management Services (PMS) is a professionally managed investment service where experienced fund managers build and manage a custom portfolio on your behalf. It’s ideal for NRIs, OCIs, and Indian-origin investors seeking personalized wealth creation in Indian markets without actively tracking every move.

With PMS, your portfolio is created based on your risk profile, financial goals, investment horizon, and taxation needs — making it more personalized and strategic than traditional mutual funds.

Features of PMS for NRIs

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Minimum investment of ₹50 lakhs (or USD equivalent)

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Direct ownership of securities in your name

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Custom portfolio aligned with your life stage, location & goals

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Flexibility in strategy: equity, debt, thematic, multi-cap, etc.

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Transparent fees and performance-linked structures

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Tax-efficient models for DTAA residents & high-income NRIs

analytics for PMS

Different Types of Portfolio Management Services

Discretionary PMS

We target proven performers at growth inflection points in massive markets.

Non-Discretionary PMS

We back only managers who deliver on promises and put shareholders first.

Advisory PMS

We allocate up to 20% to value-unlocking corporate actions like mergers, demergers, and spin-offs.

How Does PMS Work for NRIs?

01

Onboarding & Risk Profiling

NRIs can invest through NRE/NRO accounts or Gift City accounts (if offshore). A risk profile is created to align with your objectives.

02

Custom Portfolio Creation

A professional fund manager selects a basket of stocks, bonds, and other securities tailored to your financial goals.

03

Active Management

Your portfolio is actively monitored and rebalanced based on market conditions and performance, maximizing returns over time.

04

Transparent Reporting

You receive regular reports on portfolio performance, holdings, and tax implications — simplified for NRIs.

Benefits of PMS for Global Indians

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Personalized Strategy

Tailored asset allocation based on your individual goals
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Greater Control

Direct ownership and better visibility of holdings
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Expert Management

Managed by licensed, SEBI-registered portfolio managers
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Cross-Border Friendly

Designed for NRI tax, repatriation, and compliance needs
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Higher Upside Potential

Compared to mutual funds, PMS may offer more flexibility and performance-linked rewards.

PMS vs Mutual Funds vs AIFs*

Investment Minimum
PMS
Mutual Funds
AIF (Cat III)
Investment Minimum
₹50 lakhs
₹500–₹5,000
₹1 crore
Ownership of Securities
Direct (in your name)
Indirect (pooled units)
Pooled
Portfolio Customization
High
Low
Moderate
Risk/Return Potential
High
Low to High
High
Fund Manager Access
Direct/1-on-1 (often)
None
Limited
Liquidity
Moderate (exit load)
High (open-ended funds)
Low (lock-in periods)
Regulatory Body
SEBI
SEBI
SEBI
Tax Reporting
Direct Capital Gains
Aggregated in NAV
Complex (pass-through)

Factors To Consider Before Selecting a PMS Provider

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Track record and performance consistency over market cycles
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Strategy alignment with your risk and goals (e.g., value, growth, flexicap)
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Fee structure — fixed, variable, or performance-linked
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Transparency in reporting and access to fund manager
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Tax efficiency — especially important for NRIs under DTAA
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Compliance & Custody — ensure SEBI registration and reputed custodians

Frequently Asked Questions

Is investing in PMS risky?

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Like all equity-linked investments, PMS carries market risks. However, the risk is actively managed by professionals and tailored to your profile, unlike one-size-fits-all products.

Who can invest in PMS?

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High-net-worth individuals including NRIs, OCIs, and Indian residents with at least ₹50 lakhs (or USD equivalent) to invest can opt for PMS.

Can NRIs invest in PMS from abroad?

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Yes. NRIs can invest in PMS through NRE/NRO accounts or via Gift City if they prefer USD-based investing and simplified repatriation.

What is the minimum investment required?

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As per SEBI guidelines, the minimum investment in PMS is ₹50 lakhs (approx. $60,000).

How is PMS different from mutual funds?

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Unlike mutual funds, PMS offers a customized portfolio directly held in your name. It allows greater flexibility, transparency, and tailored asset allocation.

Can NRIs invest in PMS from abroad?

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Yes, NRIs can invest through NRE/NRO accounts or via Gift City (IFSC) in USD. The process is digital and CA-backed with cross-border compliance.

Can I invest in unlisted shares through PMS?

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Most PMS providers focus on listed equities, but certain strategies may include IPOs or pre-IPO placements. For dedicated unlisted investing, AIFs are usually more suitable.

What returns can I expect?

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Returns vary by strategy and market conditions. While mutual funds offer average market returns, PMS aims for alpha — typically outperforming the benchmark with higher risk tolerance.

How are fees structured in PMS?

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There may be a fixed management fee (1–2%) and/or a performance fee above a hurdle rate. Fee structures are disclosed upfront during onboarding.

Can I repatriate funds easily?

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Yes, investments made via NRE or Gift City routes are fully repatriable. NRO route may involve additional compliance.

How often do I receive updates or reports?

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You’ll receive quarterly reports, portfolio updates, and tax summaries. Many managers also provide monthly snapshots and real-time dashboards.

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